Connecticut closing costs on a $100,000 home
Official source data 2026-10-01
On a $100,000 residential purchase in Connecticut
$5,850
estimated buyer closing costs
State residential marginal tiers plus the minimum 0.25% municipal tax. Some municipalities levy an additional 0.25%.
Service fees and prepaids are editable planning allowances. They are not state averages or quotes. The down payment is shown separately.
Build your closing budget.
What’s in the closing budget?
| Component | Buyer | Seller | Basis |
|---|---|---|---|
| Loan origination allowance | $800 | $0 | Loan amount × entered percentage |
| Appraisal allowance | $650 | $0 | Entered amount; omitted for cash purchases |
| Title coverage allowance | $500 | $0 | Price × entered percentage; buyer pays |
| Settlement / attorney allowance | $1,200 | $0 | Entered amount |
| Recording allowance | $200 | $0 | Entered document fees; exclude transfer taxes already shown below |
| Transfer and deed taxes | $0 | $1,000 | Published law and selected local inputs |
| Prepaid taxes / insurance / escrow | $2,500 | $0 | Entered allowance, separate from service fees |
| Negotiated brokerage commission | $0 | $5,000 | Price × entered percentage; negotiable |
| Seller miscellaneous allowance | $0 | $500 | Entered allowance |
| Total closing costs | $5,850 | $6,500 | Sum of entered fees and modeled taxes |
| Cash item | Amount |
|---|---|
| Down payment | $20,000 |
| Loan amount | $80,000 |
| Buyer cash to close | $25,850 |
| Seller mortgage payoff | $0 |
| Estimated seller net proceeds | $93,500 |
The buyer and seller can negotiate many expenses. This calculation excludes lender credits, seller concessions, prorated rent, HOA charges, inspections, repairs, and any mortgage taxes not in the stated deed-tax scope.
Connecticut rules and assumptions.
Transfer-tax scope
State residential marginal tiers plus the minimum 0.25% municipal tax. Some municipalities levy an additional 0.25%.
Settlement & title
Budget for a Connecticut-admitted attorney conducting the purchase closing. Public Act 19-88 defines covered transfers and mortgage transactions, with specified loan exceptions.
Read the official legal-services guidance
Connecticut's Title Insurance Act distinguishes title insurers and agents. Request the applicable policy, endorsement and legal-service charges; the title percentage does not calculate an insurer's premium or replace the attorney-closing guidance above.
Recording fees
Connecticut's town-clerk fee law includes document/page fees and additional real-estate charges. Obtain the total from the municipal clerk; a base statutory page fee alone is not the complete recording bill.
Start with another purchase price.
Good questions. Clear answers.
How much are closing costs in Connecticut?
For the entered $100,000 price, this scenario produces $5,850 of buyer costs and $6,500 of seller costs. The fees are adjustable allowances; only the cited taxes follow the selected statutory scope.
Who pays the transfer tax?
The default allocation follows the state scenario shown above. The closing-cost tool lets you change the contractual deed-tax allocation; statutory buyer or seller surcharges retain their separate payer.
Is the down payment a closing cost?
It is not a service fee. This tool shows $20,000 as the down payment and $25,850 as total estimated buyer cash to close.
Are the title and attorney fees official state rates?
The defaults are planning allowances, not published title-policy quotes. Enter the applicable insurance or title-guaranty quote and the closing professional’s quote. Policy type, endorsements, loan size and reissue discounts can change the cost. Set the title payer to match your contract; use the additional buyer amount for coverage excluded from the percentage allowance.
How do I calculate seller net proceeds?
Subtract seller closing costs and the entered mortgage payoff from the sale price. Here that gives $93,500. Capital-gains tax, repair credits and other liens are excluded.
Check the source.
Data as of 2026-10-01. Retrieved .
- cga.ct.gov / chap_223.htm
- www.consumerfinance.gov / closing-disclosure As of 2026-10-02
- www.consumerfinance.gov / loan-estimate As of 2026-10-02
- www.cga.ct.gov / 2019PA-00088-R00SB-00320-PA.pdf As of 2026-10-02
- www.cga.ct.gov / chap_700a.htm As of 2026-10-02
- www.cga.ct.gov / chap_092.htm As of 2026-10-02